Which Type Of Lawyer Earns The Most Money is a question many aspiring legal professionals ponder, and at money-central.com, we provide clarity on this and other financial matters. By exploring various legal specialties and their earning potentials, you can make informed decisions about your career path, optimizing your financial future. With our resources, you can explore avenues for monetary rewards, financial stability, and investment strategies, thus empowering yourself to achieve both professional and financial success in the legal field.
1. Highest-Paid Legal Specialties: An Overview
While numerous factors impact a lawyer’s compensation, certain legal specialties consistently command higher salaries. Here’s a detailed look at which types of lawyers earn the most money, offering insights to guide your career choices.
1.1. Patent Attorney
Patent attorneys specialize in intellectual property law, focusing on securing and defending patents for inventions. They earn an average salary of $180,000 annually.
- Role and Importance: Patent attorneys are essential for inventors and companies looking to protect their innovations. Crafting inventions and conducting research for the greater benefit of society is not without its difficulties. When a successful patent is filed, intellectual property owners can be assured they’ll have a set amount of time where copycat products aren’t allowed as competitors in the marketplace.
- Why They Earn More: Patent law is a subcategory of intellectual property. A famous example is the personal computer patent, which Steve Jobs and colleagues filed in 1980. Patent attorneys require a deep understanding of technology and law, making their expertise highly valuable. They work with inventors, researchers, and corporations to navigate the complex patent process, ensuring that intellectual property rights are protected.
1.2. Intellectual Property (IP) Attorney
Intellectual property (IP) attorneys protect the rights of creators and businesses regarding trademarks, copyrights, and patents. They earn an average salary of $162,000 annually.
- Role and Importance: Intellectual property attorneys safeguard the creative and innovative assets of their clients. One reason IP lawyers are some of the highest-paid types of lawyers is that they require very specialized knowledge in distinct fields.
- Why They Earn More: Intellectual property law spans various industries, from technology to entertainment. An attorney defending and making arguments for intellectual property needs to be well-versed in the domain it pertains to. This can include creative fields like music and entertainment and other areas such as science and technology. The demand for IP protection in a digital age drives up the value of these attorneys.
1.3. Trial Attorney
Trial attorneys represent clients in court, advocating their cases before a judge and jury. They earn an average salary of $134,000 annually.
- Role and Importance: Trial attorneys handle a diverse range of cases, from criminal defense to civil litigation. Although there is a bit of variation when it comes to trial attorney salaries, handling courtroom processes can give you a leg up in your law career. The role of a trial attorney is as much about charisma as it is about facts and knowledge. Working in a live environment means you’ll need to be quick-thinking and adaptable.
- Why They Earn More: Successful trial attorneys possess excellent communication and negotiation skills. Cases in courtrooms are subject to change–new information is presented, and old information is revised all the time. A reason why trial attorneys are some of the highest-paid lawyers is a result of their persuasive social skills. Their ability to win cases and secure favorable outcomes for clients makes them highly sought after.
1.4. Tax Attorney
Tax attorneys advise clients on tax law, helping them navigate complex tax codes and regulations. They earn an average salary of $122,000 annually.
- Role and Importance: Tax attorneys assist individuals and businesses in minimizing tax liabilities and resolving tax disputes. Tax codes are complex. So companies and individuals are willing to pay so much for credible tax attorneys. Tax laws aren’t written in stone and are being updated all the time. As a result, tax attorneys need to make sure they’re always familiar with any changes to evolving tax policies.
- Why They Earn More: The intricacies of tax law require specialized knowledge and expertise. In this case, companies or individuals facing taxation issues rely on their tax attorneys. They’re able to provide comprehensive and robust legal representation while defending themselves. Tax attorneys play a crucial role in ensuring compliance and optimizing financial outcomes for their clients.
1.5. Corporate Lawyer
Corporate lawyers handle legal matters for businesses, including contracts, mergers, and compliance issues. They earn an average salary of $115,000 annually.
- Role and Importance: Corporate lawyers advise companies on legal strategies and ensure compliance with regulations. One of the key responsibilities of a corporate lawyer is M&A. These lawyers help negotiate, draft and review the legal documents necessary for one company to acquire another. They ensure that all legal aspects are covered, minimizing risks and facilitating smooth transitions.
- Why They Earn More: The complexity of corporate law requires a deep understanding of various legal areas, from tax law to employment law, which justifies the high salaries. Also, decisions made by corporate lawyers can significantly impact a company’s success, risk profile, and bottom line, making their role highly valuable. Corporate lawyers play a vital role in facilitating business transactions and protecting corporate interests.
1.6. Employment Lawyer
Employment lawyers specialize in legal issues affecting the employer-employee relationship, representing either side in disputes and compliance issues. They earn an average salary of $87,000 annually.
- Role and Importance: Employment lawyers handle everything from discrimination claims and wrongful termination cases to wage disputes and contract negotiations while also advising on workplace policies and regulatory compliance. These attorneys help businesses minimize legal exposure through preventative measures and represent employees seeking justice for workplace violations.
- Why They Earn More: Among the highest-paid legal professionals, employment attorneys at prestigious firms or with major corporate clients can earn $87,000+ annually, with some top specialists commanding even higher compensation. Clients could pay up to $250-$500+ per hour for experienced employment law counsel, with complex litigation potentially costing tens or hundreds of thousands of dollars depending on case complexity and duration. Their knowledge in employment law and ability to navigate complex employment-related disputes makes them highly valuable.
1.7. Real Estate Lawyer
Real estate lawyers, also known as property lawyers, specialize in legal matters related to real estate transactions. They earn an average salary of $86,000 annually.
- Role and Importance: They ensure that property dealings, both residential and commercial, are conducted legally and smoothly. They also provide guidance, drafting documents, and resolving disputes.
- Why They Earn More: Real estate lawyers handle the legal aspects of buying, selling, leasing, and renting properties. They draft and review contracts, agreements, and other legal documents to ensure all terms are clear and legally binding. Their expertise is crucial to navigating these complexities, making them among the highest-paid lawyers.
1.8. Divorce Lawyer
Divorce lawyers specialize in legal issues related to family relationships, such as marriage, divorce, child custody, and adoption. They earn an average salary of $84,000 annually.
- Role and Importance: Their work requires understanding family law and a compassionate approach to help clients deal with emotional situations. These lawyers also act as mediators to help parties resolve disputes amicably outside of court, particularly in divorce and custody cases.
- Why They Earn More: The outcomes of family law cases can significantly impact clients’ lives, particularly in matters of child custody and divorce settlements. In addition, divorce lawyers must stay updated on ever-changing family laws and court procedures. Their specialized knowledge and ability to handle sensitive legal issues make them valuable to their clients.
1.9. Immigration Lawyer
Immigration lawyers ensure that clients can live, work, and stay in the country legally. They earn an average salary of $84,000 annually.
- Role and Importance: They help them to seek asylum, obtain work visas, achieve permanent residency, or acquire citizenship. In addition, immigration lawyers represent clients in immigration court and during hearings with immigration officials.
- Why They Earn More: The demand for immigration lawyers is consistently high due to the complex nature of immigration law and the significant impact it has on individuals’ lives. The work of immigration lawyers can affect their clients’ lives, providing them with opportunities for a better future.
1.10. Estate Attorney
Estate attorneys specialize in helping clients plan the management and distribution of their assets during and after their lifetime. They earn an average salary of $83,000 annually.
- Role and Importance: Their primary responsibilities include drafting wills, setting up trusts, and creating estate plans tailored to the client’s needs. They also assist with minimizing tax liabilities and ensuring assets are distributed in accordance with the client’s wishes.
- Why They Earn More: Specialized knowledge of estate law, tax codes, and probate processes is essential for estate attorneys. Their expertise ensures a smooth and legal transfer of assets, making their role important for individuals aiming to secure their family’s financial future.
1.11. Public Defender
Public defenders are government-appointed attorneys who represent individuals unable to afford private legal counsel in criminal cases. They earn an average salary of $63,000 annually.
- Role and Importance: Their primary role is to ensure that every defendant receives a fair trial, as guaranteed by the Constitution. Public defenders handle a wide range of cases, from minor infractions to serious felonies.
- Why They Earn Less: Public defenders play a critical role in maintaining the integrity of the justice system, often working under challenging circumstances. Their dedication ensures that legal representation is accessible to all, regardless of financial status.
David Merson
2. Lawyer Salaries By State
As with any career, where you work significantly impacts your salary. Major cities tend to compensate lawyers more generously due to more firms and higher-end clients.
State | Median Salary |
---|---|
National | $127,990 |
Alabama | $110,730 |
Alaska | $103,680 |
Arizona | $102,390 |
Arkansas | $80,750 |
California | $162,700 |
Colorado | $126,990 |
Connecticut | $132,300 |
Delaware | $157,610 (2016 Average) |
District of Columbia | $172,490 |
Florida | $100,420 |
Georgia | $103,750 |
Hawaii | $99,880 |
Idaho | $80,860 |
Illinois | $129,090 |
Indiana | $101,110 |
Iowa | $98,870 |
Kansas | $91,090 |
Kentucky | $82,150 |
Louisiana | $99,490 |
Maine | $80,450 |
Maryland | $126,360 |
Massachusetts | $153,570 |
Michigan | $101,190 |
Minnesota | $124,560 |
Mississippi | $80,650 |
Missouri | $103,750 |
Montana | $80,750 |
Nebraska | $98,870 |
Nevada | $128,370 |
New Hampshire | $98,820 |
New Jersey | $132,660 |
New Mexico | $90,000 |
New York | $164,180 |
North Carolina | $105,140 |
North Dakota | $95,840 |
Ohio | $102,290 |
Oklahoma | $94,250 |
Oregon | $128,000 |
Pennsylvania | $121,060 |
Rhode Island | $151,300 |
South Carolina | $95,400 |
South Dakota | $81,240 |
Tennessee | $101,270 |
Texas | $131,150 |
Utah | $104,100 |
Vermont | $78,480 |
Virginia | $131,520 |
Washington | $127,660 |
West Virginia | $98,870 |
Wisconsin | $115,340 |
Wyoming | $77,010 |
Guam | $103,010 |
Puerto Rico | $58,660 |
Source: Biglaw Investor, Forbes
2.1. Location Matters
Even if your state doesn’t offer the highest salary, a meaningful law career is about more than just the paycheck.
2.2. Specialized Branches
Practicing a specialized branch of law can significantly increase your earning potential, regardless of location.
3. Key Factors Influencing Lawyer Salaries
A lawyer’s salary is influenced by several factors, including work location, the prestige of the law school attended, and years of experience.
3.1. Big Law Firms
Working for big law firms is a significant factor in earning potential. Lawyers in these firms are among the highest-paid due to the firms’ resources and high-paying clients. Big law firms have resources and quality assurance that smaller firms can’t compete with. With higher-paying clients, big law sets a standard where extended hours and high expectations are the norm.
- Geographic Concentration: Big law firms are typically located in major cities like New York, Los Angeles, and Chicago.
- Clientele: These firms attract clients willing to pay substantial fees for top-tier legal representation.
3.2. School Reputation
The law school you attend plays a crucial role in your future earnings. Big law firms often recruit from top-ranked schools. This is due to the fact that big law firms recruit from top-ranked schools.
- Top-25 Schools: These schools act as a bidding ground for big law firms seeking the best talent.
- Stringent Requirements: Prestigious schools have competitive entry requirements, resulting in graduates who are highly sought after.
3.3. Years of Experience
Experience is a key determinant of salary. More experienced lawyers have a broader range of career options and often progress to partner positions within their firms. There’s no doubt a key metric in determining your salary as a lawyer is the years of experience you have. More experienced lawyers have a broader range of career options than their juvenile counterparts. Also affecting the average earnings is the fact that lawyers with more experience have often progressed from associate to partner at their firm.
- Career Advancement: With experience, lawyers often advance from associate to partner, increasing their earnings.
- Knowledge and Expertise: Experienced lawyers possess specialized knowledge and can handle a wider variety of cases with greater depth.
4. Understanding Search Intent: Why People Seek This Information
To effectively address the topic of which type of lawyer earns the most money, it’s essential to understand the search intent behind this query. People search for this information for various reasons:
- Career Planning: Aspiring lawyers want to know which specialties offer the best financial prospects to guide their career choices.
- Educational Investment: Individuals considering law school seek to understand the potential return on investment for different legal fields.
- Job Market Analysis: Current law students and junior attorneys want to assess the job market and identify high-demand, high-paying specialties.
- Financial Motivation: Some individuals are primarily motivated by financial gain and want to pursue the most lucrative legal career paths.
- Informed Decision-Making: People want to make informed decisions about their legal careers based on accurate salary data and career outlooks.
By addressing these search intents, we can provide a comprehensive guide that meets the needs of a diverse audience seeking financial insights into the legal profession.
5. Addressing User Search Intent: Detailed Analysis
To ensure that this article effectively addresses the various search intents of users interested in the highest-paid lawyers, we can explore each intent in detail and provide targeted information and advice.
5.1. Career Planning: A Roadmap for Aspiring Lawyers
For those planning their legal careers, it’s crucial to provide a roadmap that outlines the steps needed to enter high-paying specialties.
- Educational Requirements: Detail the specific educational qualifications and certifications required for each specialty, such as advanced degrees or specialized training.
- Skill Development: Highlight the key skills and competencies needed to excel in these fields, such as analytical reasoning, negotiation, and communication.
- Networking Opportunities: Suggest ways to network with professionals in these fields, such as attending industry conferences, joining professional organizations, and seeking mentorship.
- Career Trajectories: Provide insights into typical career paths, from entry-level positions to partnership or senior management roles.
5.2. Educational Investment: Maximizing ROI in Legal Education
For individuals considering law school, it’s essential to provide information on maximizing the return on investment (ROI) of their legal education.
- Law School Selection: Offer guidance on choosing the right law school based on factors like reputation, location, and specialized programs.
- Scholarship Opportunities: Provide resources and tips for securing scholarships and financial aid to reduce the cost of tuition.
- Internship Programs: Highlight the importance of internships in gaining practical experience and making valuable connections in the field.
- Post-Graduation Planning: Offer advice on preparing for the bar exam, securing employment, and managing student loan debt.
5.3. Job Market Analysis: Identifying High-Demand, High-Paying Specialties
For current law students and junior attorneys, it’s essential to provide an analysis of the current job market and identify high-demand, high-paying specialties.
- Market Trends: Analyze the latest trends and developments in the legal industry, such as the impact of technology, globalization, and regulatory changes.
- Job Outlook: Provide data on job growth, employment rates, and salary ranges for different legal specialties.
- Geographic Hotspots: Identify geographic areas with the highest demand for specific types of lawyers.
- Industry Insights: Offer insights from industry experts on the skills and qualities employers seek in new hires.
5.4. Financial Motivation: Pursuing the Most Lucrative Legal Career Paths
For individuals primarily motivated by financial gain, it’s essential to provide a clear and objective assessment of the most lucrative legal career paths.
- Salary Data: Provide accurate and up-to-date salary data for different legal specialties, broken down by experience level, location, and firm size.
- Bonus Structures: Explain how bonuses and other incentives can impact overall compensation in different legal fields.
- Partnership Potential: Assess the potential for advancement to partnership and the associated financial rewards.
- Entrepreneurial Opportunities: Explore opportunities for starting your own law firm or consulting practice and the potential for high earnings.
5.5. Informed Decision-Making: Empowering Legal Professionals
For those seeking to make informed decisions about their legal careers, it’s essential to provide comprehensive and reliable information from trusted sources.
- Expert Opinions: Share insights and advice from legal professionals, academics, and industry analysts.
- Data-Driven Analysis: Support claims with data and statistics from reputable sources, such as government agencies, industry associations, and academic studies.
- Balanced Perspective: Present a balanced perspective that considers both the financial rewards and the challenges and trade-offs of different legal careers.
- Actionable Advice: Provide actionable advice and resources that empower readers to take control of their legal careers and achieve their financial goals.
By addressing each of these search intents in detail, we can provide a comprehensive guide that meets the needs of a diverse audience seeking financial insights into the legal profession.
6. Enhancing Content with Visuals and Up-to-Date Information
To further enhance the article, integrating visual elements and current data is essential for reader engagement and trustworthiness.
6.1. Visual Aids: Graphs, Charts, and Tables
- Salary Trends: Use line graphs to illustrate salary trends over time for different legal specialties, showcasing growth and potential.
- Salary Comparison: Create bar charts to compare the average salaries of different types of lawyers, providing a clear visual representation.
- Cost of Education: Develop tables to present the cost of legal education at different law schools, including tuition, fees, and living expenses.
- Job Market Data: Include infographics that highlight job market statistics, such as employment rates and industry growth, for various legal fields.
6.2. Recent Data and News
- Policy Changes: Regularly update the article with the latest changes in legal policies, tax laws, and immigration regulations that may impact lawyers’ salaries and job prospects.
- Market Updates: Incorporate recent news and developments in the legal industry, such as mergers and acquisitions, high-profile cases, and emerging areas of practice.
- Economic Factors: Analyze the impact of economic factors, such as interest rates, inflation, and unemployment, on the legal job market and lawyers’ earnings.
By incorporating these elements, the article will become more engaging, informative, and trustworthy, providing readers with the insights they need to make informed decisions about their legal careers.
7. Addressing Challenges and Providing Solutions
Prospective and current lawyers face numerous challenges, and addressing these head-on can enhance the article’s value.
7.1. Financial Burdens
- Challenge: High student loan debt and the cost of living in major cities can create significant financial burdens for lawyers, especially those starting their careers.
- Solutions: Offer advice on managing student loan debt, budgeting effectively, and exploring loan repayment programs.
7.2. Competitive Job Market
- Challenge: The legal job market can be highly competitive, with many qualified candidates vying for limited positions, especially in high-paying specialties.
- Solutions: Provide tips on standing out in the job market, such as gaining specialized skills, networking strategically, and building a strong professional brand.
7.3. Work-Life Balance
- Challenge: Many high-paying legal careers require long hours and intense pressure, leading to work-life imbalance and burnout.
- Solutions: Offer advice on managing time effectively, setting boundaries, and prioritizing self-care to maintain well-being and prevent burnout.
7.4. Ethical Considerations
- Challenge: Lawyers may face ethical dilemmas and conflicts of interest that can impact their careers and financial well-being.
- Solutions: Provide guidance on navigating ethical issues, seeking advice from mentors and ethics committees, and upholding professional standards.
7.5. Career Advancement
- Challenge: Advancing to higher-paying positions, such as partnership or senior management roles, can be challenging and require years of dedication and hard work.
- Solutions: Offer advice on career planning, skill development, and building relationships to increase the chances of advancement.
By addressing these challenges and providing actionable solutions, the article will become a valuable resource for lawyers at all stages of their careers.
8. Actionable Advice and Resources
Providing actionable advice and relevant resources is essential to empower readers to take the next steps in their legal careers.
8.1. Skill Development
- Courses and Certifications: Recommend specific courses and certifications that can enhance their skills in high-paying specialties, such as negotiation, litigation, and intellectual property law.
- Professional Organizations: Encourage joining professional organizations like the American Bar Association (ABA) and specialized groups related to their fields of interest.
- Mentorship Programs: Highlight the value of mentorship and connect readers with experienced lawyers who can provide guidance and support.
8.2. Networking Strategies
- Industry Events: Provide a calendar of industry events, conferences, and seminars where readers can network with potential employers and colleagues.
- Online Platforms: Recommend using online platforms like LinkedIn to connect with legal professionals, join relevant groups, and participate in discussions.
- Informational Interviews: Advise conducting informational interviews with lawyers in their fields of interest to learn about their experiences and career paths.
8.3. Financial Planning
- Budgeting Tools: Recommend using budgeting tools and apps to track expenses, manage debt, and save for financial goals.
- Investment Strategies: Offer advice on investing in stocks, bonds, real estate, and other assets to grow their wealth over time.
- Financial Advisors: Encourage seeking guidance from financial advisors who can provide personalized advice on managing their finances and planning for retirement.
8.4. Mental Health and Wellness
- Stress Management Techniques: Provide tips on managing stress, such as practicing mindfulness, exercising regularly, and seeking therapy when needed.
- Work-Life Balance Strategies: Offer advice on setting boundaries, delegating tasks, and prioritizing self-care to maintain a healthy work-life balance.
- Support Groups: Connect readers with support groups and resources for lawyers struggling with mental health issues or substance abuse.
By offering these actionable steps and resources, the article will not only inform but also empower readers to take control of their legal careers and achieve their financial and personal goals.
9. Leveraging Expert Opinions and Quotes
Incorporating expert opinions and quotes can significantly enhance the credibility and trustworthiness of the article.
9.1. Legal Professionals
- Career Advice: Obtain quotes from experienced lawyers on the skills, qualities, and strategies needed to succeed in high-paying specialties.
- Industry Insights: Share insights from law firm partners and managing directors on the current job market, salary trends, and emerging areas of practice.
- Ethical Considerations: Include quotes from legal ethics experts on navigating ethical dilemmas and upholding professional standards.
9.2. Financial Advisors
- Financial Planning Advice: Obtain quotes from financial advisors on managing student loan debt, budgeting effectively, and investing for long-term financial security.
- Retirement Planning Strategies: Share insights from retirement planning experts on maximizing retirement savings and planning for a comfortable retirement.
9.3. Academics and Researchers
- Data Analysis: Include data and statistics from academic studies and research reports on lawyers’ salaries, job satisfaction, and career trajectories.
- Market Trends: Share insights from economists and market analysts on the factors driving the legal job market and the impact of economic trends on lawyers’ earnings.
9.4. Case Studies
- Successful Lawyers: Present case studies of lawyers who have achieved success in high-paying specialties, highlighting their career paths, skills, and strategies.
- Ethical Dilemmas: Share case studies of ethical dilemmas faced by lawyers and the steps they took to resolve them in accordance with professional standards.
By incorporating these expert opinions, quotes, and case studies, the article will not only provide valuable information but also inspire and empower readers to take control of their legal careers and achieve their financial goals.
10. Addressing FAQs: Common Questions and Concerns
Answering frequently asked questions (FAQs) can help address common concerns and provide readers with quick and relevant information.
10.1. What Type of Lawyer Makes the Most Money?
Patent lawyers, IP attorneys, and trial lawyers typically earn the most. However, exploring other specialties can still lead to a good income. One of the highest-paid criminal lawyers, Willie Gary, earned $500M from a single lawsuit.
10.2. Which State Pays Lawyers the Most?
States with larger cities, such as New York and California, tend to offer the highest salaries for lawyers. Areas like Los Angeles, Chicago, and San Francisco also provide competitive compensation. As a rule of thumb, the highest-paid lawyers tend to work in urban environments.
10.3. How Can I Increase My Earning Potential as a Lawyer?
Attending a top-ranked law school, gaining specialized skills, and networking strategically can significantly increase your earning potential.
10.4. Is It Worth Pursuing a High-Paying Legal Career?
Whether it’s worth pursuing a high-paying legal career depends on your personal goals, values, and priorities. While financial rewards can be attractive, it’s essential to consider the challenges, sacrifices, and ethical considerations involved.
10.5. How Do Big Law Firms Determine Salaries?
Big law firms determine salaries based on factors like the law school attended, academic performance, and years of experience. Market demand and competition among firms also play a significant role.
10.6. What Are the Emerging Areas of Practice in Law?
Emerging areas of practice in law include cybersecurity, data privacy, artificial intelligence, and renewable energy. These fields offer significant growth potential and high earning opportunities.
10.7. How Can I Find Mentorship Opportunities in Law?
You can find mentorship opportunities in law through professional organizations, law school alumni networks, and online platforms like LinkedIn.
10.8. What Are the Key Skills Needed to Succeed in High-Paying Legal Careers?
Key skills needed to succeed in high-paying legal careers include analytical reasoning, negotiation, communication, and problem-solving.
10.9. How Can I Prepare for the Bar Exam?
To prepare for the bar exam, consider enrolling in a comprehensive bar review course, creating a study schedule, and practicing with sample questions and essays.
10.10. What Are the Ethical Considerations in Law?
Ethical considerations in law include maintaining client confidentiality, avoiding conflicts of interest, and upholding professional standards of honesty and integrity.
By addressing these FAQs, the article will provide readers with valuable information and insights, helping them make informed decisions about their legal careers.
11. Concluding Thoughts
Although the most profitable areas in law may not align with your interests, there is enough variety to secure a good salary, even if it’s not the highest-paying specialty.
If you’re in the beginning stages of planning your career and want to maximize your earning potential, it makes sense to prioritize what school you go to and aim for academic excellence.
Being recruited by a big law firm and earning an exorbitant salary means you’ll need to prove yourself against others aspiring for that same position. The top three ways to ensure you become a high-earning lawyer are to attend an elite school, work in a large law firm, and accumulate several years of experience.
The career of a top-earning lawyer may not be for everybody. But with the tenacity and passion for it, there’s no doubt you’ll succeed.
12. Call to Action: Maximize Your Financial Future with Money-Central.com
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